what kind of insurance should a contractor have Oakville ON

Determining the cost of owning a home relies on more than understanding how much interest you’ll pay on your mortgage and what you’ll need to cover with your insurance policy. You’ll also need to.

Consider the trend: For more than a decade, homeownership rates have declined while rentals have increased. According to a recent report from Harvard University’s Joint Center for Housing Studies, the nation’s homeownership rate has fallen to just under 64 percent. Plus, the number of new rental households has increased by roughly 770,000 annually since 2004.

That’s why you should work only with contractors who have adequate business insurance covering public liability and property damage. Ask for a Certificate of Insurance – proof that coverage is in place – as part of your contract. You also need to consider your own Homeowners’ Insurance coverage when beginning a renovation project.

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 · Obtaining the certificate of insurance from all vendors can also provide an added layer of protection for yourself and your business. If you or your business become the subject of a financial audit, a certificate of insurance can be used to verify that a vendor was an independent contractor rather than an employee, and therefore not subject to payroll taxes.

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Both companies rely on independent contractor workforces. and (C) they have independent enterprises doing that type of work. “Uber, Postmates, and other gig companies have tried every.

If they have coverage, a contractor should have no problem sending you a certificate of liability insurance. insurance companies make it easy to download and print these certificates. If you want to be extra cautious, you can call the insurance company’s number listed on the certificate to make sure the contractor’s policy is still active.

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 · Each contractor should have public liability insurance. This type of insurance covers damage to third party property as well as personal injury to others to the extent that is not covered by ACC. The level of cover for your contractors have should reflect the project being undertaken. professional indemnity insurance. Your designer or architect.

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For that, you need flood insurance. You should consider purchasing this. “There is a limited number of contractors when you have big disasters,” he says. “On the West Coast now, the.